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flag A NSW judge ruled Westpac’s handling of a $44.11 mortgage error was unconscionable, ordering the bank to fix credit damage and pay legal fees.

flag A NSW Supreme Court judge condemned Westpac for its handling of a $44.11 mortgage shortfall, calling the bank’s refusal to remove adverse credit reporting "unconscionable" and lacking basic commercial morality. flag Customer Fiona Vinall, misled by unclear communications, paid a reduced rate early and promptly corrected the error, but Westpac delayed fixing the credit record, damaging her credit score and blocking a home purchase. flag Despite court orders and a rare demand for CEO Anthony Miller to appear, Westpac only reversed course after the judge’s intervention. flag The bank has been ordered to remove the negative entry and pay Vinall’s legal costs. flag The case will proceed to the District Court for a damages hearing. flag Westpac said it follows legal credit reporting requirements but declined further comment.

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